yes, that's what i was thinking. i was wondering others have experienced otherwise.

basically, we can maximize 10% cb at lower spending amount (i.e. no need spend rm2.5k to maximize RM50 cb in June. just need to find merchants having at least T+1 posting for 31-May or 31-Aug transactions to cross into June and September).

yes

might as well edit back your original post

previously 8,000TP = RM20 Aeon Big gift card (400TP:RM1)

now 10,000TP = RM20 is based on current redemption rate (500TP:RM1)

hint: bigpay

too early! swipe as late as possible

nope, bigpay can be T+1 posting for using FCB VS

here you go

regardless of T+0 settlement by bigpay and maybank, there must a certain cutoff time. so, i was testing the sweet spot of this settlement cutoff time

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This post has been edited by cybpsych: Oct 2 2018, 10:26 AM

Maybank Group Call Center<mgcc@maybank.com.my>
Maybank Card Services<mbbcardservices@maybank.com.my>

compare notes later

i started testing this after your post on 5 July (above), then i realized merchant's settlement has cutoff date, even for T+0 arrangement like bigpay/maybank.

yep, no harm trying.

if transaction on 31 Aug but posted on 1 Sep, cashback is 10% (transaction date in Aug) but the max cb limit is RM50 (posting date in Sep)

so, lowest spend amount to gain RM50 max cb (in Sep) is RM500 based on 10% transacted in Aug.

compared this to RM2,500 spending @ 2% to get RM50 max cb in Sep alone.

Best Combination to Maximize Cashback % and Cap (Oct 2017 - Aug 2019)

Transaction	Posting	Cashback %	Cashback Cap	(Best) Max Spend
Apr/Jul	Apr/Jul	2% (Apr/Jul)	RM50 (Apr/Jul)	RM2,500
Apr/Jul	May/Aug	2% (Apr/Jul)	RM100 (May/Aug)	RM5,000
May/Aug	May/Aug	10% (May/Aug)	RM100 (May/Aug)	RM1,000
May/Aug	Jun/Sep	10% (May/Aug)	RM50 (Jun/Sep)	RM500
Jun/Sep	Jun/Sep	2% (Jun/Sep)	RM50 (Jun/Sep)	RM2,500

**Note: With the changes to FCB VS T&C here, most likely cross-month posting will not get cashback. So, this loophole was verified until May 2019 only.**

**Note: Validated @ 2 Oct 2019, cross-month posting still works. Refer here and here.

This post has been edited by cybpsych: Oct 2 2019, 07:41 AM

to reconfrm again in October for September cashback.

updated my original screenshot (Post #3816) with the timing of my swipes (based on SMS OTP).

perhaps you guys can try yourself too

yah seems to be about 1130pm. I tested this continuously for few days to gauge the consistency. I might wanna try it near end Aug to make sure 1130pm cutoff still same.

yes, more worried of bigpay than Maybank!

another possible issue is SMS OTP, it might get delayed. better do a bit earlier in case gotta retry sms otp, phone radio reset via airplane mode switching, redo bigpay reload, etc.

the Aug posting of course can la. not die die must do 31/8

the final half hour is a gamble. 31/8 is merdeka, who knows what will happen to bigpay or it's partner bank (maintenance window)

yes, if no rush, wait a few more days lo.

wait spending in Aug for 10% la.

anything, except jompay and installment ezyplan

if u mean fc Barcelona card, why not? there's no exclusion to govt payment, right?

then don't do it if not comfortable or spending amount is high.

reload to bigpay for convenience, not to milk the cc and incur higher unnecessary debt.

some examples are over-the-top and not recommended for novices to follow blindly without knowing how the cc or bigpay works.